DIAGNÓSTICO ORGANIZACIONAL EM SOCIEDADES COOPERATIVAS DE CRÉDITO: UM ESTUDO DE CASO

Credit cooperatives are achieving new markets due to the current finance market system. In order to face the industry’s competition, such organizations seek economical and managerial efficiency. This work aims to analyze the economical and managerial status of the “Alpha” credit cooperative. A documental analysis of the financial statements from 1999 to 2002 was used for the financial analysis, based on the data obtained; direct observation was performed along with casual interviews with the managers in order to raise the managerial analysis. Through organizational diagnosis it was possible to observe that despite the availability of training programs and the effort to keep a closer relationship with the members, the participation level is reduced, which harms the group’s interest achievements. In relation to the economical diagnosis, the credit cooperative has shown a stable status suggesting that the managers are maintaining an efficient management of the financial resources available. However, it is questioned whether the economic and managerial efficiency work as proxies for social gain for the union members once this is a basic function of the cooperative organizational model